Does anyone have resources for finding out what insurance companies' medical policies are on whether artificial disk replacement is "new and unproven"?
I have read that Aetna allows 1 cervical disk replacement (and seen the policy). United Healthcare has denied my request for 2 cervical disk replacements. I have heard they have negotiated to pay for the surgery (but not this disks) for other patients. I have heard BlueCross does not pay for any disk replacements.
I may have the opportunity to get on a Guardian Health plan, and I have read their descriptions of the reasons they may deny experimental surgery.
There are 2 hurdles to cross:
1) Whether ADR is experimental or unproven
2) Whether 2-level ADR is approved by the FDA (the devices are approved for only 1 level to my knowledge)
Any thoughts? Any relevant experiences would be much appreciated!